Moyer & Moyer Insurance Blog

BJ Moyer

3 Common Mistakes Homeowners Make

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Your home is obviously one of the biggest investments you will ever make.  Staying diligent with upkeep and fixing small problems before they become bigger problems is the best way to keep the hassle of issues at bay.  Certainly, unexpected problems will and do happen. That’s just life. Here are three mistakes that homeowners tend to make and a few tips on how to avoid them: Neglecting maintenance:  Checking your homes major systems (HVAC, sump pump, filters, etc.) should be done at least every six months.  When you change your clocks, switch out batteries in your smoke detectors, it’s important to do some additional maintenance as well.  Keep your furnace, heat pump, and central AC system serviced to ensure they’re running optimally. Change your filters at appropriate times, clean your ducts, vents, and return vents.  Clean the coils on your fridge. Check pipes for leaks and drips. Anything small you...
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BJ Moyer

Church Violence: The Threat is Real

ChurchViolence
Church violence and shootings are becoming more and more common. The calm and relaxed atmosphere and sense of personal have largely been voided with recent violence.  Churches and church leaders have taken the safety of their congregations personal and are investing in a variety of solutions to prevent future violence.  Some of those steps include active shooter training, added security, investment in security systems and cameras, etc.  As a leader or pastor yourself, I think it's important to highlight some additional solutions for this growing problem in our churches.   Communicate with your congregation - Adding security measures are great.  Having a congregation who doesn't know about them, doesn't know how to use them or doesn't understand how they work will provide a little upside in case of emergency.  Keep communication open and encourage your members to reach out and speak their minds.  After all, it's their personal safety they are...
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BJ Moyer

5 Steps To A Safer Church

5 Steps to Safer Church
Security is obviously a major concern of today’s churches.  Some churches assume more security means more costs and a costly and complicated system and install.  Want some good news? There is a lot that you can do at little to no cost! If your church leadership is ready to make changes and improve safety quickly, here are 5 steps to a safer church: Buy walkie-talkies:  An old-school two-way radio will always be beneficial when compared to a cell phone.  Should you lose signal, a walkie-talkie will still work and allow you to communicate with staff positioned around the building.  Communication is really one of the most important factors in any safety plan. Have a single church entrance:  Place a staff member or usher at the doors and lock them once service starts.  If you are going to have unlocked doors, keep a staff member in place to monitor activity at...
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BJ Moyer

Insurance For Today's Churches

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  Insurance for a church or religious institution can be confusing, overwhelming, and without the right guidance, you could find yourself over or underinsured which can cost you in more ways than just financially.  At Moyer & Moyer, we specialize in insuring churches. It’s our passion and we strive to be the best resource for churches in the market. Let’s get started! Luckily, the team at Moyer & Moyer are church insurance experts!  Let's discuss some of the basics of church insurance and what you need to do to ensure your church is properly covered. Property insurance is just that, coverage for your property and things the church owns.  Your liability insurance covers you for anything you may be found liable which causes damage to another (examples:  slip and fall, light or a speaker fell, etc.). General liability insurance is your best defense against any such liability and the possible...
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BJ Moyer

More About Business Insurance

More About Business Insurance
In our previous blog, we discussed some basics of business insurance.  I want to continue talking about business insurance and the various coverages and endorsements available to protect your business.  Owning a successful business is no easy feat. Should trouble come your way, it’s important to have business insurance to protect your investment and your brand.  There are a number of coverages to consider as there are a variety of risks specifically associated with commercial policies. Let’s take a look at the most common: Employee Practices Liability Coverage:  In this day and age, hiring and firing employees opens your business up to some risk.  You have likely heard about any number of lawsuits based on discrimination, wrongful termination, harassment or sexual harassment.  These type of claims will cost you money and time. With EPL coverage, you can rest easy and not have to face the stress and exposure to such...
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BJ Moyer

An Intro to Business Insurance

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Starting a business is exciting!  That excitement is likely mixed with a little fear and probably some uncertainty about the future.  As a business owner, insurance is going to be a big part of that future. You want to protect your business and yourself from as much risk as possible while also protecting your property, staff, and patrons.   There are a lot of options for business insurance for a variety of different risks.  If you have a particular question, please contact us today to discuss your unique situation.  We will be covering the main insurance(s) you are going to need, in no particular order. Professional Liability Insurance:  If you are providing a professional service, you need Liability Insurance.  This is also called E&O insurance (errors & omissions). This insurance will cover your business should your service not perform, injure or damage a person(s) or property, or protection against claims...
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BJ Moyer

Common Questions When Renting A Car

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If you travel for personal or professional reasons this summer, you will likely rent a car.  When it comes to car rental, most people often ask if they need to buy the rental car agency's insurance.If you travel for personal or professional reasons this summer, you will likely rent a car.  When it comes to car rental, most people often ask if they need to buy the rental car agency's insurance. Let's jump straight in.  Let me remind you, that while I am an insurance agent, I may or may not be your insurance agent.  Maintaining your policy in good standing and the coverage you carry will determine whether or not your claim is accepted or denied.  We are discussing hypotheticals here.  Now... Do you need to purchase additional insurance?  Most of the time, no, probably not.  Your personal auto insurance will cover you for liability and, should a get...
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BJ Moyer

Getting Your Home From Winter to Summer

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Last week, we discussed how to get your vehicle the TLC it needs to transition out of winter weather and ready for the warm KC summer.  Not surprisingly, your home takes quite a beating as well during those cold, dreary winter months. Freezing temperatures, moisture of all kinds, wind, it can all add up to disaster if you don’t maintain when the weather improves. First, do a quick run through of your house and check for ceiling stains.  Leaks are especially common when temperatures drop. While leaks may not be visible in the middle of a room, it’s important to check closets and areas not as often visited for any semblance of a leak in your roof.  Check your roof as well. I recommend having your roof inspected to ensure there are no loosened or damaged shingles. The transition from cold to warm and cold and warm can sometimes cause...
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BJ Moyer

Getting Your Car From Winter to Summer

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The winter is tough on a lot of us!  Harsh cold, snow, ice, it’s not a fun time to be outside.  The weather can be even more difficult on your vehicle. The salt and potholes do a lot of damage, even after the weather has passed.  Now that temperatures are warming, it’s a great time to give your car the TLC it deserves! Here are my top tips for getting your car ready for summer. First, your windshield wipers likely took a good battering getting ice and slush off of your windshield.  Cold weather will wear down wiper blades quickly, so be sure you give them a thorough check and look for frays and cracks.  If you hear squeaking or worse, the wipers don’t totally remove water in your sight line, it’s time for a replacement. The last thing you want is to be caught in a spring storm and...
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BJ Moyer

Spring Motorcycle Tips

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We're discussing all things spring on our blog lately.  Colder weather may still be here, but it won't be for long.  Our personal lines insurance for home and auto will keep you safe any time of year, and our motorcycle policies will keep you safe through riding season.We're discussing all things spring on our blog lately.  Colder weather may still be here, but it won't be for long.  Our personal lines insurance for home and auto will keep you safe any time of year, and our motorcycle policies will keep you safe through riding season.

Did you know that motorcyclists are much more likely to be seriously injured or even killed in a crash versus people in cars?  Seems like a given, right?  Regardless of the danger, thousands of bikers will be hitting the road soon.  Motorcycle safety and the right safety equipment can go a long way to keeping you safe.

Motorcycles are awesome.  I know that.  They're fun.  They're loud.  They're fast.  They get great gas mileage.  We know there are a lot of positives.  There are a lot of risks to get those positives as well.  Motorcyclists are over 30 times more probable to die in an accident that drivers or passengers of vehicles.  Even the most experienced rider needs a refresher here and there.  

Here are some quick tips to keep you safe this season:
Stay easily visible:  It can be difficult to see a motorcyclist.  Drivers have always struggled to stay alert and smartphones and texting have made it more perilous.  One of the most important things you can do is stay out of blind spots.  Keep your lights on even during the day.  Wear bold, bright colors (I know black leather is the go-to).  Reflective materials are even better.

Safety First:  Wear a helmet.  Even if your state doesn't require it, your family and friends deserve it.  Wear a helmet.  The only thing between you and the pavement is the equipment you're wearing.  A brain injury or worse isn't worth the risk.  Stay safety minded always and keep your bike well maintained.  Don't ride in bad weather unless absolutely necessary.  Stay alert and always be defensive on the road.

There you go.  Just a few tips to get you started on an amazing and safe motorcycle season.  If you're paying too much for motorcycle insurance, or you want better service, call us for a quick quote.  You'll be glad you did.

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